Lending vs CubicPayroll

Lending-Hub (By JP Financial Inc) is a multi-tenant loan management system designed for finance companies operating in Canada. The platform offers a web-based platform for finance companies and a mobile application for borrowers. Once the borrower has applied for the loan via the web application, based on their financial creditworthiness, they are pre-approved for the loan, subject to providing supporting documents. The borrowers are notified to use the lending hub mobile app, log in to their lending service provider (JP Financial Inc), and upload the supporting documents. The lending service provider reviews the document along with other banking analysis reports and credit reports and approves or declines the loan. The mobile application allows users to upload supporting documents and view the loan payment schedule, detailed account statement, etc. The below is a Loan Details Disclosure- Representative Loan Example: A $2,500 loan paid bi-weekly at $111.75 over 12 months at an APR of 29.9% results in a total repayment of $2,905.50. Repayment Terms: We offer payment frequency options of: Monthly Semi-monthly Weekly Bi-weekly Every 4th week Repayment period ranges from a minimum of 12 months to a maximum of 36 months. Annual Percentage Rate (APR): Our APR ranges from 19.9% to 35.9%, depending on the applicant’s credit history. Credit Approval: All loan applications are subject to credit approval.

Cubic Payroll makes time tracking and payroll simple, accurate, and fast—wherever work happens. Employees can clock in/out with location or selfie verification, submit timesheets with optional overtime, and review work history in a clean, mobile-first dashboard.